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	<title>Dr. Housing Bubble Blog &#187; HAMP</title>
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	<link>http://www.doctorhousingbubble.com</link>
	<description>How I Learned to Love Southern California and Forget the Housing Bubble</description>
	<lastBuildDate>Mon, 06 Feb 2012 04:23:01 +0000</lastBuildDate>
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		<title>Laundering real estate – How dirty loans have made data on distressed inventory look better.  1 out of 5 US mortgages impaired.  Jumbo loan market has completely evaporated.</title>
		<link>http://www.doctorhousingbubble.com/laundering-real-estate-how-dirty-loans-have-made-data-on-distressed-inventory-look-better-jumbo-loans/</link>
		<comments>http://www.doctorhousingbubble.com/laundering-real-estate-how-dirty-loans-have-made-data-on-distressed-inventory-look-better-jumbo-loans/#comments</comments>
		<pubDate>Thu, 09 Dec 2010 17:41:08 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[housing-2010]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[jumbo loans]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[market history]]></category>
		<category><![CDATA[psychology]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[bailouts]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosures]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=4046</guid>
		<description><![CDATA[The elaborate gold plated fairytale for 2010 is that somehow housing recovered.  Sure data was fudged and we swept a few million dubious loan modifications under the Ikea rug but this is certainly not a recovery.  Zillow announced that in 2010 US homeowners lost $1.7 trillion in housing value.  This brings the grand total of [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/laundering-real-estate-how-dirty-loans-have-made-data-on-distressed-inventory-look-better-jumbo-loans/feed/</wfw:commentRss>
		<slash:comments>47</slash:comments>
		</item>
		<item>
		<title>Fannie Mae and Freddie Mac Behind the big number of Canceled Foreclosure Auctions?  $745 Billion Bailout to Erase Negative Equity for Every Underwater Homeowner.  Fannie and Freddie Uncapped.  Prelude to new Bailouts?</title>
		<link>http://www.doctorhousingbubble.com/fannie-mae-and-freddie-mac-behind-the-big-number-of-canceled-foreclosure-auctions-745-billion-bailout-to-erase-negative-equity-for-every-underwater-homeowner-fannie-and-freddie-uncapped-prelude/</link>
		<comments>http://www.doctorhousingbubble.com/fannie-mae-and-freddie-mac-behind-the-big-number-of-canceled-foreclosure-auctions-745-billion-bailout-to-erase-negative-equity-for-every-underwater-homeowner-fannie-and-freddie-uncapped-prelude/#comments</comments>
		<pubDate>Sun, 10 Jan 2010 19:45:12 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[bailout]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[federal reserve]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[housing-2010]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[loan modifications]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[bailouts]]></category>
		<category><![CDATA[default]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=2879</guid>
		<description><![CDATA[Over the last two months we’ve noticed an interesting pattern in notice of trustee sale auction cancelations.  This is the last step before the home is either sold at auction or taken back by the bank as a bank owned property.  As we have highlighted, this process can take 18 months from the last payment [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/fannie-mae-and-freddie-mac-behind-the-big-number-of-canceled-foreclosure-auctions-745-billion-bailout-to-erase-negative-equity-for-every-underwater-homeowner-fannie-and-freddie-uncapped-prelude/feed/</wfw:commentRss>
		<slash:comments>25</slash:comments>
		</item>
		<item>
		<title>Option ARMs Come Back into Center Stage:  350,000 Active Option ARMs with over 200,000 in California.  78 Percent of Option ARMs have yet to hit Recast Dates.</title>
		<link>http://www.doctorhousingbubble.com/option-arms-come-back-into-center-stage-350000-active-option-arms-with-over-200000-in-california-73-percent-of-option-arms-have-yet-to-hit-recast-dates/</link>
		<comments>http://www.doctorhousingbubble.com/option-arms-come-back-into-center-stage-350000-active-option-arms-with-over-200000-in-california-73-percent-of-option-arms-have-yet-to-hit-recast-dates/#comments</comments>
		<pubDate>Sun, 29 Nov 2009 08:45:09 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[loan modifications]]></category>
		<category><![CDATA[option arms]]></category>
		<category><![CDATA[alt-a loans]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[negative amortization]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=2729</guid>
		<description><![CDATA[Option ARMs are the gift that keeps on giving this holiday season.  As it turns out, these pesky toxic mortgages are still sitting waiting to hit recast periods.  Like a street vendor taco these things went down nicely and appeared cheap but came with a hefty aftermath.  The last option ARMs were made in 2007 [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/option-arms-come-back-into-center-stage-350000-active-option-arms-with-over-200000-in-california-73-percent-of-option-arms-have-yet-to-hit-recast-dates/feed/</wfw:commentRss>
		<slash:comments>26</slash:comments>
		</item>
		<item>
		<title>California Sending out Approximately 475,000 Notice of Defaults for 2009 yet Overall Foreclosures Declining.  Shadow Inventory, Q3 Defaults, Toxic Loans.  The State of the National Housing Market.</title>
		<link>http://www.doctorhousingbubble.com/california-sending-out-approximately-475000-notice-of-defaults-for-2009-yet-overall-foreclosures-declining-shadow-inventory-q3-defaults-toxic-loans-the-state-of-the-national-housing-market/</link>
		<comments>http://www.doctorhousingbubble.com/california-sending-out-approximately-475000-notice-of-defaults-for-2009-yet-overall-foreclosures-declining-shadow-inventory-q3-defaults-toxic-loans-the-state-of-the-national-housing-market/#comments</comments>
		<pubDate>Wed, 21 Oct 2009 06:12:41 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[alt-a]]></category>
		<category><![CDATA[bailout]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[housing-2009]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[loan modifications]]></category>
		<category><![CDATA[market analysis]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[psychology]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[housing]]></category>
		<category><![CDATA[nods]]></category>
		<category><![CDATA[real-estate]]></category>
		<category><![CDATA[reos]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=2529</guid>
		<description><![CDATA[California is on path for a record 2009.  By the end of the year over 475,000 notice of defaults will be sent to California homeowners.  This of course is simply from lenders that actually even bother to send a notice of default.  The shadow inventory is growing and we have some concrete data showing the [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/california-sending-out-approximately-475000-notice-of-defaults-for-2009-yet-overall-foreclosures-declining-shadow-inventory-q3-defaults-toxic-loans-the-state-of-the-national-housing-market/feed/</wfw:commentRss>
		<slash:comments>33</slash:comments>
		</item>
		<item>
		<title>California Budget and HAMP:  Is the Home Affordable Modification Program Helping? California Tax Revenues Falter and Employment Breaks Historical Record.</title>
		<link>http://www.doctorhousingbubble.com/california-budget-and-hamp-is-the-home-affordable-modification-program-helping-california-tax-revenues-falter-and-employment-breaks-historical-record/</link>
		<comments>http://www.doctorhousingbubble.com/california-budget-and-hamp-is-the-home-affordable-modification-program-helping-california-tax-revenues-falter-and-employment-breaks-historical-record/#comments</comments>
		<pubDate>Mon, 19 Oct 2009 04:32:37 +0000</pubDate>
		<dc:creator>drhousingbubble</dc:creator>
				<category><![CDATA[bailout]]></category>
		<category><![CDATA[California Love]]></category>
		<category><![CDATA[california-equity-giants]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[foreclosures]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[housing-2009]]></category>
		<category><![CDATA[housing-data]]></category>
		<category><![CDATA[loan modifications]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[california budget]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[government]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[u.s. treasury]]></category>

		<guid isPermaLink="false">http://www.doctorhousingbubble.com/?p=2517</guid>
		<description><![CDATA[California is still unable to find the key to job growth.  Last Friday new data showed that the California unemployment rate broke through another record coming in at 12.2 percent.  Data for August was revised upward to 12.3 percent.  Good news right?  Well the reason the unemployment rate fell in September was because thousands of [...]]]></description>
		<wfw:commentRss>http://www.doctorhousingbubble.com/california-budget-and-hamp-is-the-home-affordable-modification-program-helping-california-tax-revenues-falter-and-employment-breaks-historical-record/feed/</wfw:commentRss>
		<slash:comments>42</slash:comments>
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